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We take your privacy seriously. This policy explains how we collect, hold, use and disclose your personal information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).
Oz Finance Hub ('we', 'us', 'our') operates the website ozfinancehub.com.au and related services. We provide free Australian finance calculators and optional Premium features (saved calculations, trackers, subscription). This Privacy Policy explains how we collect, hold, use and disclose personal information and how you can access and correct your information or make a complaint. We comply with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs) where they apply to us.
We may collect and hold: (1) Account information: when you create an account or sign in, we collect your email address and we hold authentication data (e.g. session tokens); we do not store your password in plain form—it is hashed and managed by our authentication provider. (2) Premium and usage data: if you use Premium features, we store data you provide such as saved calculation names, inputs and results, notes and tags; calculation history (calculator type, inputs, results, timestamps); income tracker entries (dates, amounts, source, pay period, notes); and dividend tracker entries (dates, amounts, symbol/description, franked status, notes). (3) Subscription and payment-related data: we store subscription status and identifiers (e.g. Stripe customer and subscription IDs) to provide Premium access; we do not store your full payment card details—payment processing is handled by Stripe in accordance with their privacy policy. (4) Technical and usage data: we may collect information such as IP address, browser type, device type and general usage (e.g. pages visited) where necessary for security, troubleshooting or to improve the service; we do not sell this data. (5) Communications: if you contact us, we may keep your email and the content of your message to respond and for our records.
We collect personal information directly from you when you: create an account, sign in, use Premium features (e.g. save a calculation, add a tracker entry), subscribe to Premium, or contact us. We may also collect information automatically (e.g. through cookies or similar technologies) when you use our website, such as session and authentication cookies necessary to keep you signed in and to secure the service.
We collect, hold, use and disclose personal information for: providing and operating the website and Premium features; authenticating you and managing your account; storing and displaying your saved calculations, calculation history and tracker data to you; managing your subscription and Premium access; communicating with you (e.g. account or subscription-related emails, password reset); improving, securing and troubleshooting our services; and complying with applicable law. We do not use your personal information for marketing unless you have consented. We do not sell your personal information to third parties.
We may disclose personal information to: (1) Service providers who assist us to operate the site (e.g. hosting, authentication, payment processing, email delivery), subject to confidentiality and appropriate data handling; (2) Stripe for payment and subscription management—Stripe's use of your data is governed by their privacy policy; (3) Our authentication and database provider (e.g. Supabase), which may store data on servers located outside Australia—see 'Overseas disclosure' below; (4) Law enforcement or government bodies where required or authorised by Australian law. We do not disclose your personal information to third parties for their marketing.
Some of our service providers (including authentication and database hosting) may store or process personal information on servers located outside Australia. Where we disclose personal information to overseas recipients, we take reasonable steps to ensure that the recipient handles the information in accordance with Australian privacy law, or we otherwise comply with APP 8 (e.g. by obtaining your consent where appropriate, or where the recipient is subject to a law or scheme that upholds principles similar to the APPs). If you have concerns about overseas disclosure, please contact us using the details below.
We use cookies and similar technologies where necessary for the operation and security of the site, including to keep you signed in (session and authentication cookies). We may also use analytics or performance cookies to understand how the site is used and to improve it; where we do so, we aim to minimise identifiable data and to comply with applicable consent requirements. You can adjust your browser settings to refuse or limit cookies; some features (such as staying signed in) may not work if you disable essential cookies.
We hold personal information in electronic form using industry-standard hosting and authentication services. We take reasonable steps to protect your personal information from misuse, interference, loss and unauthorised access, modification or disclosure (e.g. access controls, encryption where appropriate, and secure connections). No transmission over the internet or electronic storage is completely secure; we cannot guarantee absolute security.
We retain your personal information for as long as your account is active or as needed to provide you with Premium features and to comply with our legal obligations. If you close your account, we will delete or de-identify your account and Premium-related data within a reasonable time, except where we are required or permitted to retain it by law.
You may request access to the personal information we hold about you, or request that we correct it if you believe it is inaccurate, incomplete or out of date. We will respond within a reasonable time and may need to verify your identity. In some cases we may refuse access or correction in accordance with the APPs (e.g. where it would unreasonably impact the privacy of others or where the law permits). You can update your account details (e.g. email) and your saved data (e.g. calculations, tracker entries) yourself through the site where those features are available.
If you believe we have breached the APPs or mishandled your personal information, you may make a complaint to us. Please contact us using the details below and include enough information for us to investigate. We will acknowledge your complaint and respond within a reasonable time (usually within 30 days). If you are not satisfied with our response, you may lodge a complaint with the Office of the Australian Information Commissioner (OAIC): oaic.gov.au/privacy/privacy-complaints.
We may update this Privacy Policy from time to time. We will post the current version on this page and, for material changes, we will take reasonable steps to bring the change to your attention (e.g. by notice on the site or by email where appropriate). The 'Last updated' date at the bottom of this page indicates when the policy was last revised. Your continued use of the site after changes constitutes acceptance of the updated policy.
For privacy-related enquiries, access or correction requests, or complaints, please contact us using the contact details published on our website (see our About page or any contact form we provide). We will respond as soon as practicable.
Last updated: 11 February 2025.